The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,672
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,377
−HK$717/mo
Today · 4.125%
HK$24,094
baseline
▲ 0.50% · 4.625%
HK$25,560
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,188/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,222
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$686/mo
Today · 4.125%
HK$26,585
baseline
▲ 0.50% · 4.625%
HK$27,986
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,170/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,206
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,053
−HK$859/mo
Today · 4.125%
HK$28,912
baseline
▲ 0.50% · 4.625%
HK$30,672
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,824/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,078
−HK$824/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,583
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,741
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,728
−HK$1,003/mo
Today · 4.125%
HK$33,731
baseline
▲ 0.50% · 4.625%
HK$35,783
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,462/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,311
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,258
−HK$961/mo
Today · 4.125%
HK$37,219
baseline
▲ 0.50% · 4.625%
HK$39,181
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,438/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,809
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,289/mo
Today · 4.125%
HK$43,368
baseline
▲ 0.50% · 4.625%
HK$46,007
+HK$2,639/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,736/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,400
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,618
−HK$1,235/mo
Today · 4.125%
HK$47,853
baseline
▲ 0.50% · 4.625%
HK$50,375
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,706/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,269 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).